<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED FINANCIAL STATEMENT OF INCOME
FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           8,568
<INT-BEARING-DEPOSITS>                             172
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,436
<INVESTMENTS-CARRYING>                          73,004
<INVESTMENTS-MARKET>                            71,771
<LOANS>                                        201,818
<ALLOWANCE>                                      3,606
<TOTAL-ASSETS>                                 321,784
<DEPOSITS>                                     263,718
<SHORT-TERM>                                    15,129
<LIABILITIES-OTHER>                                802
<LONG-TERM>                                      9,207
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,674
<OTHER-SE>                                      16,253
<TOTAL-LIABILITIES-AND-EQUITY>                 321,784
<INTEREST-LOAN>                                  4,653
<INTEREST-INVEST>                                1,393
<INTEREST-OTHER>                                    12
<INTEREST-TOTAL>                                 6,058
<INTEREST-DEPOSIT>                               2,702
<INTEREST-EXPENSE>                               2,993
<INTEREST-INCOME-NET>                            3,065
<LOAN-LOSSES>                                      231
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,121
<INCOME-PRETAX>                                  1,176
<INCOME-PRE-EXTRAORDINARY>                       1,176
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       974
<EPS-BASIC>                                       0.37
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    4.10
<LOANS-NON>                                      1,079
<LOANS-PAST>                                     1,150
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,419
<CHARGE-OFFS>                                       63
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                3,606
<ALLOWANCE-DOMESTIC>                             3,043
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            563


</TABLE>